21 Overlea Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 21 Overlea Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,230 sqft · built 1930
Lot Size	0.103 acres (4,500 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (May 2018)
Tax Bill	$5,753 (2026)
Deeds & Mortgages	Jul 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-G B:0016 L:0016`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-G B:0016 L:0016`
Alternative APNs	`M:006=G B:0016 L:0016` `8812008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,230 sqft Living Area
Gross Area	1,615 sqft
1st Floor Area	674 sqft
Basement Area	308 sqft
Unfinished Basement	308 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,500 sqft (0.103 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	8812008
Street Address	21 OVERLEA AVE
City	SAUGUS
State	MA
Zip	01906-2731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	LINCOLN HEIGHTS
Legal Block	16
Legal Lot Number	16
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	4
Census Block	4005
Census Tract	208101

Owner

21 Overlea Ave is owned and occupied by two individuals who bought it in May 2018.

Source: Essex County and Saugus Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	21 OVERLEA AVE, SAUGUS, MA 01906-2731
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 16, 2018	Quit Claim Deed, Transfer · FHA Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2018 · Amount on File
Deed Sale	May 16, 2018 · Amount on File
Prior Sale	May 27, 2009 · Amount on File
Deed Book / Page	36720 / 160
Transfer Doc	036720-160
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	21 OVERLEA AVE, SAUGUS, MA 01906-2731
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040062-553
Date	Jul 8, 2021
Book Page	40062/553
Instrument	20210708000670

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Aug 1, 2048

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	May 16, 2018
Property Address	21 OVERLEA AVE, SAUGUS, MA 01906-2731
Document Number	36720-160
Book / Page	036720 / 000160
Instrument Date	May 6, 2018
Instrument	1805163310
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,029.20
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 OVERLEA AVE SAUGUS MA 019062731, SAUGUS, MA 01906-2731

Mortgage

Document Number	36720-162
Date	May 16, 2018
Book Page	036720/000162
Instrument	1805163320

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 15, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 21 Overlea Ave was $5,753, up 3.4% from the year before.

Source: Essex County and Saugus Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Saugus Town
Unified School District	Saugus School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,753.00 (+3.43%)	$552,100 (+6.01%) Land $325,300 Building $226,800	$605,626 (+3.91%)
2025	$5,562.00 (+4.73%)	$520,800 (+4.43%) Land $295,800 Building $225,000	$582,825
2024	$5,311.00 (+3.01%)	$498,700 (+8.91%) Land $278,900 Building $219,800
2023	$5,156.00	$457,900 Land $245,100 Building $212,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 21 Overlea Ave in Zone X, an area of minimal flood risk, though there have been 35 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 103 individual policies
Nearby Flood Policies	109 units insured incl. 6 condo units
Nearby Flood Claims	35 (1979–2025)
Claims Outside the SFHA	8 of 35
Most Recent Claim	Jan 2025 · other causes
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Severe Storms And Flooding, May 2006 · 4 claims Extreme Weather Conditons And Flooding, Oct 1996 · 6 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 21 Overlea Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SAUGUS WATER DEPT. (MWRA) serves 27,844 people · EPA ID MA3262000
Water Source	Purchased surface water from MWRA
Last State Inspection	May 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 577 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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